| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 Filed as: ROACH HOWARD SMITH & BARRON | 8750 N CENTRAL EXPRESSWAY SUITE 500 DALLAS, TX 75231 | GUARDIAN | $68K | $2K | $70K | 15.04% |
| LOCKTON COMPANIES, LLC3 Filed as: ROACH HOWARD SMITH & BARRON | 8750 N CENTRAL EXPRESSWAY SUITE 500 DALLAS, TX 75231 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $6K | — | $6K | 15.57% |
| KERI NORTON3 Filed as: KERI M NORTON | 12472 FM 2728 TERRELL, TX 75161 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $5K | — | $5K | 14.05% |
| THE BLUE ORANGE SOLUTIONS, LLC3 | 2435 N CENTRAL EXPRESSWAY STE 1200 RICHARDSON, TX 75080 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $926 | — | $926 | 2.37% |
| LINDA A LECIEJEWSKI3 Filed as: LINDA ANNE LECIEJEWSKI | 1327 SPIRIT FALLS DR. FRISCO, TX 75033 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $499 | — | $499 | 1.28% |
| KIMBERLY K DIXON3 | 8380 WARREN PARKWAY, SUITE 303 FRISCO, TX 75034 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $242 | — | $242 | 0.62% |
| LORI J THOMPSON3 | 6575 141ST STREET NW RAMSEY, MN 55303 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $28 | — | $28 | 0.07% |
| JEFFERY M SATTERLEE3 | 100 SUN AVE NE SUITE 650 ALBUQUERQUE, NM 87109 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $25 | — | $25 | 0.06% |
| NANCY E ODOM3 | 5921 STONE MEADOW DR PLANO, TX 75093 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $3 | — | $3 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: TONYA BROWN | 827 COLORADO RIVER DR. GRANBURY, TX 76048 | CONTINENTAL AMERICAN INSURANCE COMPANY (AFLAC) | $1 | — | $1 | 0.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 324 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 324 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 324 | $464K |
| Vision | GUARDIAN | 324 | $464K |
| Life insurance | GUARDIAN | 324 | $464K |
| Short-term disability | GUARDIAN | 324 | $464K |
| Long-term disability | GUARDIAN | 324 | $464K |
| Other(2 contracts, 2 carriers) | GUARDIAN | 324 | $503K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 324 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.